Car Thieves avoiding Toyota Prius

I really hope my Prius stays an unwanted car for thieves. I rather like my $66/month insurance premium.

 

Wow that's high, mine is $36 a month on a new 2014 plug-in.

 

Gee, I pay only $1900 a year for mine.

 

Is that supposed to be a good rate in New Jersey? Glad I live in Ohio.

 

That's not a good rate anywhere.

 

I feel like there are a few good stories behind this.

 

We had another thread about stolen Prius batteries in the Sacramento area, just a few weeks ago. But I can't find it now. Perhaps it went too far off topic and was banished to FHoPol?

 

Nope, no good stories, just high rates and high taxes.

 

Wow, I thought I had great rates. That's about 75% of my payment for full coverage.

 

Two thoughts.
1) A professional car thief is not going to be deterred from stealing any car they are determined to get, Prius included.
2) A professional car thief is only interested in the payback, so they steal according to a priority list.

Staying low on the priority list has to be a major factor. Even though I buy Prius's almost exclusively, it would be the last car I would buy used if it were well over 10 years old or I needed the cheapest beater on the market. No way a stolen Prius battery could be bought for under 200 dollars if Toyota pays this for salvaged batteries.

 

I pay somewhat similar. Midwest just seems to be a bit lower.

 

Well I am a retired senior citizen with a clean driving record for both accidents and violations. Full coverage though and I do have State Farm with the indrive tracking device that checks up on how you drive and how much you drive.

 

That's the difference. I'm not a SC yet, and am not interested in anyone tracking my driving, especially when I'm in the vette.

 

I hear you , but you don't have to have it in every car you own. I don't want it in my Lexus GS 35o either.

 

Do you think how many miles/frequency you drive is a big rate factor for those tracking devices?

 

Definitely! The online website that tracks your driving performance , allows you to estimate how much your savings would be if you vary your driving technique and your total miles driven. You can reduce or increase the miles driven along with other factors such as speed, braking ect.... Then hit calculate and it will give an estimate of the six month premium benefit or detriment to your specific six month premium seperately for each car you have in the system..

 

Did you find it lowered your rates?

What sort of mileage does the average insurance policy assume? Put another way, what mileage would it take to make it go up (or down)?

 

I'm a retired senior citizen and I don't want anyone tracking my driving while I am in my Prius.

 

Well it is hard to explain exactly because I was already getting the low mileage discount, I am retired and was on the less than 8000 miles a year discount. However, after installing indrive my rates went down by another $ 7 to $10 per month on each of my 3 cars. for a total savings of about $27 a month. I have a house and 3 cars. My monthly premium for a house insured at $300,000 and three cars is $145 a month. Previously State Farm inquired every year for your odometer reading on each car, and I was and still am driving only about 7500 miles a year on the total of all three cars combined.

The indrive unit grades you on acceleration, left and right turns, driving locations, time of day, and braking. I am getting A grades in most items with an occasional B. The savings calculator allows you to adjust both your mileage driven and your individual grades in each category and on each separate car. It then recalculates your potential savings if you improve anything. But lets say you get a B or C in any category, it doesn't tell you what you are doing to trigger a lower grade then an A.

Link to indrive home page where it tells you a little bit about what I have said here: Drive Safe & Save with In-Drive?

 

So my 25-30k miles per year probably won't save me any money with these devices?